Comparison

Innovative MFB vs 9jaPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Innovative MFB

Manage your finances on the go with this mobile banking application. Perform transactions like checking balances, paying bills, recharging airtime, and transferring funds. You can also apply for loans and create new account numbers directly from your device.

Highlights
  • View account balance
  • Export account statements
  • Airtime recharge
  • Bill payments
  • Inter/Intra-bank transfers
  • Loan application and status
  • Create account numbers
Features
Read full description

Perform most of your financial transactions which includes but not limited to: - View Account balance - View and export Account statement - Airtime Recharge - Bills Payment e.g. DSTv, GoTv, PHCN etc. - Inter-bank and Intra-bank Transfer - Loan Management (apply for loans, check loan status etc.) - Create Account Number

About

9jaPay

Manage your finances with this comprehensive app. It offers budgeting, investing, banking, and bill payment features, simplifying your financial life. Secure transactions and easy money management tools are provided.

Highlights
  • Easy money management
  • Bill payments
  • Send and receive money
  • Secure transactions
  • Transfer scheduling
  • Budgeting and investing
Read full description

Introducing the ultimate solution for managing your finances - 9jaPay! Take control of your financial future and experience unparalleled convenience, all in one powerful application. We've got you covered, from budgeting and investing to banking and bill payments. Say goodbye to juggling multiple apps and hello to simplicity and efficiency. Download now and embark on a journey to financial freedom! Why 9jaPay? 9jaPay is the ultimate app for managing your finances with ease. From secure and effortless payments to value-added services, our app provides a comprehensive suite of features to simplify your life. Our app offers an incredible array of features to make your life easier, including: * Easy money management tools * Bill Payments * Send and receive money easily * An array of payment options * Secure transactions * Transfer scheduling Make the switch to convenience in 3 easy steps: Open a FREE account - Download the app and set up your account for free – it only takes a few minutes. Fund your account - You can add money to your 9jaPay account by sending money directly from any bank account or receiving a P2P credit from friends using your unique username or payment links. Start Transacting - Whether you need to send money to loved ones, schedule a transfer, or move money quickly, 9jaPay has you covered. Experience financial convenience like never before. Banking Services are provided by Amegy Microfinance Bank, licensed by the Central Bank of Nigeria. Download the app now and get started. For more information, visit www.9japay.com. Need help? Please email us at support@9japay.com

Screenshots

Innovative MFB4 screens
9jaPay4 screens

Verdict

The call

The clearest difference is rating: 9jaPay at 2.5 against Innovative MFB's 1.0. 9jaPay also leads on review sentiment (20% vs 0%) and update cadence (every 5 weeks vs every 4 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

9jaPay holds the better App Store score, 2.5 against 1.0. Both are backed by a comparable volume of ratings — 6 and 10 respectively. Written reviews point the same way: 0% of Innovative MFB's written reviews are positive against 20% of 9jaPay's.

UpkeepUpdate frequency

Innovative MFB ships an update every 4 months, 9jaPay every 5 weeks. The most recent releases landed on July 23, 2026 and September 17, 2026 respectively.

Scorecard3 real differences · 7 level
Innovative MFB versus 9jaPay: the parameters behind the verdict, then further details
ParameterInnovative MFB9jaPay
PriceFreeFree
Rating1.0 (6 ratings)2.5 (10 ratings) — better
Positive reviews0.0% of reviews20.0% of reviews — better
Number of ratings610 — better
Update frequencyEvery 4 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size55 MB134 MB
Age rating4+4+
DeveloperiBank Microfinance Bank Limited9jaPay UK Limited

Customer experience

Innovative MFB

All ratings6 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

9jaPay

All ratings10 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews5 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

In-app purchases

None

Innovative MFB

No in-app purchases

None

9jaPay

No in-app purchases

Questions

Is Innovative MFB free?
Innovative MFB is free to download, with no in-app purchases.
Is 9jaPay free?
9jaPay is free to download, with no in-app purchases.
Which has better reviews, Innovative MFB or 9jaPay?
9jaPay is rated higher. Innovative MFB averages 1.0 out of 5 from 6 ratings, while 9jaPay averages 2.5 from 10 ratings.
Do Innovative MFB or 9jaPay have ads?
Neither Innovative MFB nor 9jaPay shows ads.
Which is updated more often, Innovative MFB or 9jaPay?
Innovative MFB ships an update every 4 months, and 9jaPay every 5 weeks. Most recently, Innovative MFB was updated on July 23, 2026 and 9jaPay on September 17, 2026.

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